Benefits of HDFC ERGO Health Insurance | How to Apply HDFC ERGO Insurance, Claim Process and Customer Care Details

Benefits of HDFC ERGO Health Insurance: HDFC Ergo Health Insurance is very profitable, all the health-related expenses you are billed under this policy are covered, such as all before and after hospitalization. Those all expenses are covered under this insurance policy, all the bills of the hospital are also paid, such as fees for hospital rooms, fees for the opinion of medical experts.

Benefits of HDFC ERGO Health Insurance
Benefits of HDFC ERGO Health Insurance

To avoid all of your health problems and to get the best treatment if necessary, it is necessary to take recourse to health insurance. In this article we will know the benefits of HDFC Ergo Health Insurance. Know the secret of staying healthy and claim treatment with low expense.

7 Benefits of HDFC Ergo Health Insurance

Below are the top 7 benefits of HDFC Ergo Health Insurance. Due to its characteristics, this insurance is very popular. You should understand all these benefits one by one in a very comfortable manner.

Benefits of HDFC ERGO Health Insurance
Benefits of HDFC ERGO Health Insurance
  1. Quick claim settlement
  2. Brand strength
  3. Good customer service
  4. Take Tax Benefits
  5. Complete cashless treatment
  6. Portability
  7. Monetary bonus

1. Quick Claim Settlement

Whenever you are taking health insurance from any company, first of all you should check its claim settlement ratio, which shows how much more helpful it will prove to be. The claim settlement ratio of HDFC Ergo Health Insurance Company is around 65% . So that an image of it becomes believable, and we have no hesitation. Apollo is the biggest feature of Munich Health Insurance.

2. Brand strength

HDFC Ergo Health Insurance is a very large entity, HDFC Insurance Company earlier used to provide loans to people to build houses, which is also considered to be a very big company internationally. So its brand strength is also very high. That’s why people take a lot of policy by seeing its brand. HDFC Ergo Health Insurance name, speaks for itself.

3. Good Customer Service

As you know, in many companies, many people give sweet insurance to you by saying sweet things, but sometimes do not deal with them when some difficulties arise. But there is nothing like this in HDFC Health Insurance, whenever the customer buys the policy, he understands it before his agent, and if any problem arises, then the person who is alive, after talking to the customer care, has whatever problems they may have. The HDFC Ergo Health Insurance customer care team resolves your problem within 15 to 30 days, which is very helpful for you.

4. Take Tax Benefits

In many companies we do not get any tax benefit, but in HDFC Health Insurance you get tax benefit up to ₹ 25000 every year, every year there is some rebate on your income tax. You also get tax benefits from HDFC Ergo Health Insurance.

5. Complete Cashless Treatment

Many insurance companies often have some problems, in which they have to pay at the time of cash treatment in the hospital, but there is nothing like that in HDFC Health Insurance. As many of their network hospitals are there, you will get the facility of cashless service policy, which is a very good thing for the insured. HDFC Ergo Health Insurance has also set records for 90% cashless claims in about 2 hours, which shows how quickly they work.

6. Portability

If you are not satisfied with this policy i.e. HDFC Health Insurance Policy, then you can change your company as well, for this, HDFC Ergo Health Insurance gives you complete freedom, in which you can fill your policy by filling the portability form 30 days in advance. Can be started in another company. You also get portability in HDFC Ergo Health Insurance.

7. Monetary Bonus

Whenever you buy an HDFC Ergo Health Insurance, you get a lot of convenience in it, that is, if you do not take any claim for 1 year and you remain healthy for 1 year and do not consume any kind of smoking. Then the policy holder gets rewards at low rates of premium, that is, sometimes you get a bonus of up to 50% of the amount alive, these facilities are in very low insurance policies.

A brief overview of HDFC Ergo Health Insurance

This health insurance company has also been awarded many awards. Because their policy is very good and has proved to be helpful to many people. HDFC Ergo Health Insurance Company has contacts in more than 4500 hospitals across India, from where you can go and get treatment.

All expenses that are incurred for daycare health-related fees and for the convenience of ambulances anywhere are covered under this policy. No matter the number of diseases you have or the diseases related to cancer is also covered under this policy.

A brief overview of HDFC Ergo Health Insurance
A brief overview of HDFC Ergo Health Insurance

Apart from all this, HDFC provides many benefits to Ergo Health Insurance, and to make your life more efficient, under this insurance, you do not have to worry too much about future expenses related to health. Falling, all of that is also covered in this.

As you all know that there are many types of health insurance, one of them was Apollo Munich Health Insurance, which provide a lot of help in our life, regarding our savings. Now the name of this insurance has been changed, which you know as HDFC Ergo Health Insurance, earlier it was known only as Apollo Munich Health Insurance.

But later HDFC gave it a new name by purchasing the shares of this company, and since then its name has been changed. HDFC is one of the largest housing finance companies in India, providing loans to many people in India to build houses and has its headquarters in Mumbai.

HDFC Ergo Health Insurance Tips

  1. After taking the health policy, you will be made a card. With which you will be able to get the benefit of cash less treatment, if you have to get admission in the hospital, then show them your policy card.
  2. If the hospital that has been admitted is not a cashless facility, then call the number written on the card within 12 hours of the admission and inform about the admission so that you do not face any problem in claiming.
  3. While carrying out the HDFC Ergo Health Insurance Claim (Needs of Health Insurance), keep a photocopy of all reports and documents with you. If you are facing any problem in paying the payment on behalf of the company to claim your insurance, then you can make it a complaint to the company.
  4. You must have understood the benefits of HDFC Ergo Health Insurance and its Importance. Therefore, it is advisable to you to take the right policy according to your need and before taking any policy, take full information about it so that you do not face any problem at the time of need.


Through this article (7 Benefits of HDFC ERGO Health Insurance), our endeavor is that we can explain the importance of health insurance so that you can avoid the hassle of expenses in hospitals and if you need it, get good treatment. Do not wait for getting sick for health insurance, but get your health insurance done in time.

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